Agricultural Receivables Gap
Case Overview
Reason: Gap Receivables
Funding Amount: $147,000
Approval Amount: $147,000
Industry: Agricultural Business
Use of Funds: Business Stability
Program Type: Working Capital
The Story
Christian Quintana joins us to discuss how he was able to secure $100,000 for a Vermont agricultural business. He walks us through why they needed the funds, why he recommended a shorter-term working capital option, and how they were able to use the funds.
The Details
The Client
The client is the owner of an agricultural business based in Vermont.
The business typically only receives payment once a year, creating long gaps in cash flow.
The client was also looking to purchase a tractor to support production.
This was the client’s first time seeking financing through private lending.
The Situation
The client needed funding to cover expenses during the long gap before annual payouts.
He also required capital to purchase a tractor and increase production capacity.
The business owner did not have strong credit, which made securing approval difficult.
As a first-time borrower, he needed guidance to understand the private lending process and available options.
The Solution
Capital Infusion secured a total approval of $147,000 for 15 months, provided in two disbursements.
A short-term working capital option was recommended, as it offered lower costs compared to longer terms.
Multiple funding options were laid out, ranging from $50,000 to $100,000 with 6–12 month terms, allowing the client to choose what worked best.
When the primary applicant’s credit presented a challenge, the secondary owner was added to the file, whose stronger credit profile enabled approval.
The client was kept engaged and informed at every step of the process, building trust and clarity.
With funding secured, the client purchased a tractor, doubled production, and is now fully prepared for the upcoming harvest season.